621 E 10th St, Spencer, IA 51301 Property Records

Clay County property record for 621 E 10th St, Spencer, IA 51301

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 866 sqft · built 1914
Lot Size	0.163 acres (7,100 sqft)
Owner	Individual Name on File
Last Sale	$45,000 (Feb 2012)
Tax Bill	$686 (2025)
Deeds & Mortgages	Feb 2012 Foreclosure
Flood Zone	Zone X (minimal risk)
APN	`963607404009`

Property Details

APN / Parcel Number

Primary APN	`963607404009`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Total Rooms	5 Rooms
Stories	1 Story
Building Area	866 sqft Living Area
1st Floor Area	520 sqft
Attic	Attic
Attic Area	234 sqft
Basement Area	520 sqft
Unfinished Basement	520 sqft
Game Room	Game Room
Flooring	Carpet
Interior Walls	Plaster

Exterior

Year Built	Built 1914
Effective Year Built	Effective 1914
Architectural Style	Cape Cod
Exterior Material	Vinyl
Construction Type	Frame
Roof Type	Gable
Roof Material	Composition Shingle
Lot Area	7,100 sqft (0.163 acres)
Lot Dimensions	142 ft deep x 50 ft wide
Garage Type	Detached
Garage Area	480 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air with A/C
Water Source	Commercial

Location & Zoning

Street Address	621 E 10TH ST
City	SPENCER
State	IA
Zip	51301-4819
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	12 1 COLLEGE
Legal Range	36W
Legal Township	96N
Legal Section	7
Legal Subdivision	COLLEGE ADDITION
Jurisdiction	CLAY IA
Township / Civil Division	SPENCER
Census Block Group	3
Census Block	3045
Census Tract	80200

Owner

621 E 10th St is owned by an individual who acquired it in January 2016.

Source: Clay County records, as of September 1, 2026

Owner of Record	Individual Name on File
Mailing Address	717 W 4TH ST, SPENCER, IA 51301-3204
Owner Type	Individual
Vesting	Single

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Feb 17, 2012 · Amount on File
Deed Sale	Feb 17, 2012 · Amount on File
Deed Document Number	2012475
Deed Book / Page	2012 / 475
Last Transfer Date	Jan 14, 2016
Transfer Doc	02016/0181
Record Updated	Oct 29, 2026

February 2012: Legal Action/Court Order, Foreclosure

Document Type	Legal Action/Court Order
Jurisdiction	CLAY IA
Recording Date	Feb 17, 2012
Property Address	621 E 10TH ST, SPENCER, IA 51301-4819
Document Number	002012/475
Book / Page	2012 / 475
Instrument Date	Feb 15, 2012
Instrument	2012 0475
Transaction Type	Foreclosure
Record Updated	Apr 3, 2026

Transaction

Amount	Amount on Record
Loan-to-Value (LTV)	LTV on Record
Tax	$71.20
Amount Accuracy	Rounded by County

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Relationship	Joint Tenants with Right of Survivorship
Address	511 5TH AVE SE, SPENCER, IA 51301-5443
Investor	Possibly a Property Investor

Mortgage

Document Number	0020120476
Date	Feb 17, 2012
Instrument	2012 0476

Lender

Name	IOWA STATE BANK
Type	Bank

Agreement

Type	Line of Credit
Amount	Amount on Record
Term	360 Months
Due	Feb 14, 2042

Interest

Rate Type	Adjustable Rate

Tax Assessment & Valuation

The 2025 property tax bill for 621 E 10th St was $686, up 15.9% from the year before.

Source: Clay County assessment roll, as of September 30, 2025

Property Jurisdictions

Type	Name
State	Iowa
County	Clay County
Municipality	Spencer City
Unified School District	Spencer Community School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$686.00 (+15.88%)	$44,850 Land $20,000 Building $24,850	$44,850 Land $20,000 Building $24,850
2024	$592.00
2023		$37,000 (-32.3%) Land $14,000 Building $23,000	$37,000 Land $14,000 Building $23,000
2022	$962.00	$54,650 Land $14,000 Building $40,650
2021			$54,650 Land $14,000 Building $40,650

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

FEMA maps place 621 E 10th St in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective February 21, 2024

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it

Values are read at the parcel center point; lenders make the official flood determination.

Wildfire

The area around 621 E 10th St has no burnable land within ember reach, so its wildfire risk is not rated.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Not rated no burnable land within ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	SPENCER MUNICIPAL WATER UTILITY serves 11,325 people · EPA ID IA2171071
Water Source	Groundwater
Last State Inspection	Jan 2025
Lead	Under 1 ppb (2024–2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 451 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spencer Municipal Utilities Fiber	1,000 / 1,000
Mediacom Xtream Cable	1,000 / 50
AT&T Fixed Wireless	100 / 20

May also be available: Nextlink, Verizon.

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